WARTA S.A.

What WARTA S.A. does

WARTA S.A. is a Polish insurance group operating since 1920, headquartered at rondo I. Daszyńskiego 1 in Warsaw. The group is legally structured as two entities: Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A. (TUiR Warta), which underwrites property and casualty insurance, and Towarzystwo Ubezpieczeń na Życie WARTA S.A. (TUnŻ Warta), which underwrites life and health insurance. Following Talanx AG's February 2026 buyout of Meiji Yasuda Life Insurance Company's residual stakes, Warta is now wholly owned by Talanx AG, Germany's third-largest insurer. The group employs 1,001–5,000 staff and operates exclusively in the Polish market.

Warta's product portfolio is unusually broad for a mid-sized European insurer. Consumer lines include motor third-party liability (OC) and comprehensive (AC), home and apartment insurance, travel insurance (Warta Travel), life and health insurance (Warta Ochrona, Warta Bezpieczna Przyszłość, Warta Posag), school accident insurance, phone insurance, personal liability, and drone operator liability. Commercial lines extend to fleet insurance (Ubezpieczenie flotowe), group life and accident coverage (Warta Zdrowie), professional liability, D&O, cyber insurance, cargo transport, agricultural insurance (crops, farm buildings, farmer OC), and specialized industrial coverage including marine, aviation, railway, inland waterway, yacht, construction/erection, and green energy (OZE) insurance. Underlying delivery runs on a standard online quotation, policy purchase, and claims platform supported by the Moja Warta customer portal and Warta Net life-policy administration system.

The revenue model is subscription/recurring premium-based across P&C and life lines, with pricing individualized by risk profile (OC from 375 PLN annually; combined OC+AC+Assistance packages 676–764 PLN). Distribution is multi-channel: direct-to-consumer online self-service, a nationwide insurance agent network, telephone/call-center sales, dedicated corporate business advisors for enterprise clients, and bancassurance partnerships. Marketing spans Google Ads, Meta/Facebook retargeting, TikTok, YouTube, and content marketing through the Porady (advice) section. Customer segmentation prioritizes individual consumers (B2C) and SMEs (MŚP), with large corporations and the agricultural sector as secondary segments. There is no public disclosure of AI/ML capabilities, proprietary technology platforms, or differentiated data assets beyond standard industry tooling.

Name

WARTA S.A.

Legal name

Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A. oraz Towarzystwo Ubezpieczeń na Życie WARTA S.A.

Website

https://warta.pl

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

WARTA S.A. is a Warsaw-based Polish insurance group founded in 1920, wholly owned by Germany's Talanx AG since February 2026. It offers P&C and life insurance across motor, property, travel, life/health, commercial, agricultural, and specialty lines (marine, aviation, cyber, green energy) to consumers, SMEs, large corporates, and the agricultural sector through digital, agent, call-center, and bancassurance channels.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Property and casualty insurance
• Life and health insurance
• Motor vehicle insurance
• Travel insurance
• Commercial insurance

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Property and Casualty Insurance Premiums: Warta generates revenue through collecting insurance premiums from property and casualty insurance products including motor vehicle insurance (OC/AC), home insurance, travel insurance, and other non-life insurance products. Premiums are collected annually or as specified in policy terms.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

WARTA S.A. is a Polish insurance group operating through two legal entities — TUiR Warta (property and casualty) and TUnŻ Warta (life and health) — selling a comprehensive portfolio of personal and commercial insurance products including motor, home, travel, life, fleet, cyber, agricultural, and specialized corporate coverages. Products are distributed via direct online channels, a nationwide agent network, call center, bancassurance partnerships, and dedicated corporate sales teams. The company is wholly owned by Talanx AG (Germany) since February 2026.

Product overview

WARTA S.A. is a Polish insurance company operating as a multi-product insurance platform with two legal entities: TUiR (Towarzystwo Ubezpieczeń i Reasekuracji) and TUnŻ (Towarzystwo Ubezpieczeń na Życie). The company offers a comprehensive portfolio of insurance products organized across personal lines (vehicle, property, travel, life/health), commercial lines (property, liability, fleet, cyber, professional), agricultural insurance, and specialized corporate coverage (marine, aviation, railway). Products are distributed through multiple channels including online platforms, insurance calculators, and a network of agents. Key personal products include Warta Travel (travel insurance), Ubezpieczenie na życie (life insurance), OC/AC (vehicle insurance), and home insurance. Corporate offerings include group insurance products (Warta Zdrowie, group life/NNW), professional liability (OC zawodowej, D&O), cyber insurance, and fleet coverage. Agricultural products cover crops, buildings, and farmer liability. The company also operates digital platforms including Warta Net (Moja Warta) customer portal for policy management and Notowania UFK for unit-linked fund quotations.

Differentiator

Problem solved

Functional benefit

Brands

• Warta Travel: Travel insurance brand offering foreign travel coverage with 10% discount
• Warta Ochrona
• Warta Zdrowie
• Warta Bezpieczna Przyszłość
• Warta Posag
• Smartbiznes
• Warta Ekstrabiznes Plus
• Moja Warta
• Warta Net

Products and services

• Ubezpieczenie OC (Motor Third-Party Liability) Third-party liability insurance for vehicles, mandatory coverage for car owners in Poland. Available for purchase online with indicative pricing from 375 PLN annually.
• Ubezpieczenie AC (Autocasco) Comprehensive vehicle insurance covering damage, theft, and other vehicle-related losses for individual car owners.
• Ubezpieczenie Assistance Roadside assistance services including towing, rental car, and emergency support for vehicle owners.
• Warta Travel (Travel Insurance) Travel insurance covering international and domestic trips, including medical treatment costs, baggage protection, and trip cancellation coverage. Offers 10% discount with code RABATWARTA.
• Ubezpieczenie mieszkania (Apartment Insurance) Home insurance covering apartments against fire, flooding, and other property damage for individual owners and tenants.
• Ubezpieczenie domu (House Insurance) Home insurance covering houses against fire, flooding, and other property damage for individual property owners.
• Ubezpieczenie na życie (Life and Health Insurance) Life and health insurance covering illness, accidents, credit protection, and future financial security with coverage extending to age 100.
• Warta Ochrona Life protection insurance product under the life and health category offered by TUnŻ Warta.
• Warta Bezpieczna Przyszłość Life insurance product combining protection with capital accumulation features for individual policyholders.
• Ubezpieczenie motocykla (Motorcycle Insurance) Third-party liability insurance for motorcycles, mopeds, and scooters.
• Smartbiznes Insurance package for small and medium enterprises covering property and liability under one bundled policy.
• Warta Ekstrabiznes Plus Insurance package for SMEs with expanded property and liability coverage compared to Smartbiznes.
• Ubezpieczenie flotowe (Fleet Insurance) Fleet vehicle insurance for corporate clients covering multiple vehicles under one policy.
• Cyber Insurance Cyber insurance covering cyber threats, data breaches, and digital risks for businesses.
• Ubezpieczenie OC zawodowej (Professional Liability Insurance) Professional liability insurance covering errors and omissions in professional practice for corporate clients.
• Ubezpieczenie OC członków zarządu (D&O Insurance) Directors and officers liability insurance covering corporate leadership for corporate clients.
• Grupowe ubezpieczenie na życie (Group Life Insurance) Group life insurance for employees offered to corporate clients.
• Warta Zdrowie (Group Health Insurance) Group private health insurance product for corporate clients providing employee health coverage.
• Ubezpieczenie mienia (Corporate Property Insurance) Corporate property insurance covering buildings, equipment, and loss of profits for business clients.
• Ubezpieczenie transportowe (Cargo Insurance) Cargo and transport insurance covering goods in transit for commercial clients.
• Ubezpieczenie rolne (Agricultural Insurance) Agricultural insurance covering crops, farm buildings, property, and farmer liability for the agricultural sector.
• Gwarancje ubezpieczeniowe (Insurance Guarantees) Insurance guarantees covering contractual obligations and bid bonds for corporate clients.
• Moja Warta (Warta Net) Customer Portal Online customer portal enabling policy management, claims submission, and policy renewal for Warta customers.
• Ubezpieczenie OC operatora drona (Drone Operator Liability) Mandatory third-party liability insurance for drone operators as required by Polish law.
• Ubezpieczenie telefonu (Phone Insurance) Insurance coverage for smartphones against damage, theft, and other losses for individual consumers.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• Meiji Yasuda Life Insurance CompanycoreStrategic or Co-development Partner · 1 November 2010Meiji Yasuda Life Insurance Company was a joint venture partner with Talanx in Polish insurance subsidiaries Warta and TU Europa since November 2010 (investments began in 2012). The partnership concluded in February 2026 when Talanx acquired Meiji Yasuda's remaining stakes. Meiji Yasuda continues overseas activities in the US, China, and Thailand.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• UNIQA Poland: UNIQA is a multi-line insurer with strong presence in Poland across personal and commercial lines, distributed through agents and bancassurance. It is a direct competitor to Warta in the Polish insurance market.
• Generali Poland: Generali operates in Poland offering life, motor, property, and corporate insurance with both direct and agent distribution. It competes directly with Warta's TUiR and TUnŻ entities.
• PZU SA: PZU is Poland's largest insurance group and the dominant multi-line carrier in motor, property, life, and corporate insurance. It directly competes with Warta across nearly all personal and commercial lines and is the primary competitor for market share in Poland.
• Link4: Link4 is a Polish direct-to-consumer motor and property insurer that competes with Warta in the online/digital insurance segment. Both target price-sensitive Polish consumers with streamlined digital purchase flows.
• Ergo Hestia: Ergo Hestia is one of Poland's top three non-life insurers, offering motor, property, travel, and corporate coverage through agents and digital channels. It competes head-to-head with Warta in the Polish P&C market.
• Vienna Life (Compensa): Vienna Life (formerly including Compensa and Benefia) is a significant Polish insurer in life and non-life lines, with comparable multi-channel distribution and product breadth. It directly competes with Warta for agent-driven sales.
• TU Europa: TU Europa is a Polish life insurance company and sister subsidiary to Warta under Talanx's full ownership. It directly competes with Warta's life entity TUnŻ WARTA in life, investment, and protection insurance.
• Allianz Poland: Allianz operates a Polish insurance subsidiary offering motor, property, life, and commercial coverage. As part of a global insurance group, it is comparable to Warta in scope and target customer segments.

Broad incumbents

• Talanx AG: Talanx is Warta's German parent and operates HDI, Hannover Re, and other insurance/reinsurance brands globally. It is comparable as the strategic controlling entity that defines Warta's capital, product, and international positioning.

Emerging players

• Wiener Towarzystwo Ubezpieczeń (Signal Iduna Poland): Signal Iduna Poland is a mid-sized multi-line insurer with growing footprint in property, motor, and life insurance. It competes with Warta in select segments and uses similar agent and digital distribution models.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/wartaPL
• LinkedInlinkedin.com/company/warta

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about WARTA S.A.